BlastPoint's Banking Scorecard
Community Bank of Wichita, Inc.
Wichita, KS
2 branches across KS
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 117 in KS.
- Deposits +9.9% year over year ($117.6M on the books).
- Delinquency rate 0.72%.
- Return on assets 1.27%.
- Efficiency ratio 61.44% vs a 64.48% peer average.
- Loan-to-deposit ratio 87.20% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Community Bank of Wichita, Inc. has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.59% above tier average
- + Efficiency Ratio 3.03% below tier average
- + Delinquency Rate 0.20% below tier average
Key Concerns
Areas that may need attention
- - ROA 0.06% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$128.3M
+10.1% YoY
+1.7% QoQ
|
-$258.2M |
$386.6M
+1.2% YoY
|
$513.9M
+7.1% YoY
|
$6.3B
+7.7% YoY
|
Bottom 7.9% in tier |
| Total Loans ? |
$102.6M
+14.1% YoY
+4.2% QoQ
|
-$155.8M |
$258.3M
+1.7% YoY
|
$343.7M
+7.8% YoY
|
$3.2B
+9.4% YoY
|
20% |
| Total Deposits ? |
$117.6M
+9.9% YoY
+1.8% QoQ
|
-$209.1M |
$326.7M
+0.7% YoY
|
$426.3M
+7.4% YoY
|
$4.9B
+7.3% YoY
|
Bottom 11.0% in tier |
| Return on Assets ? |
1.27%
+36.4% YoY
+14.9% QoQ
|
-0.06% |
1.32%
+10.8% YoY
|
1.56%
+14.6% YoY
|
1.30%
+12.1% YoY
|
51% |
| Net Interest Margin ? |
4.57%
+12.0% YoY
+2.6% QoQ
|
+0.59% |
3.99%
+5.0% YoY
|
3.99%
+4.5% YoY
|
3.95%
+4.9% YoY
|
82% |
| Efficiency Ratio ? |
61.44%
-13.8% YoY
-6.6% QoQ
|
-3.03% |
64.48%
-3.2% YoY
|
60.13%
-4.7% YoY
|
70.05%
+2.5% YoY
|
53% |
| Delinquency Rate ? |
0.72%
-14.1% YoY
-35.9% QoQ
|
-0.20% |
0.92%
+15.7% YoY
|
0.82%
+9.9% YoY
|
0.98%
+16.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
87.20%
+3.9% YoY
+2.4% QoQ
|
+9.25% |
77.95%
+1.0% YoY
|
72.94%
+0.4% YoY
|
79.03%
+2.3% YoY
|
32% |
| Non-Interest-Bearing Deposit Share ? |
19.34%
+9.5% YoY
-2.0% QoQ
|
-2.69% |
22.03%
-0.6% YoY
|
22.01%
-1.4% YoY
|
21.98%
-0.6% YoY
|
42% |
| Nonperforming Asset Ratio ? |
0.58%
-11.0% YoY
-34.3% QoQ
|
-0.09% |
0.67%
+16.4% YoY
|
0.53%
+8.8% YoY
|
0.69%
+15.8% YoY
|
35% |
| Tier 1 Capital Ratio ? |
10.96%
+21.9% YoY
-0.9% QoQ
|
-4.95% |
15.91%
+1.4% YoY
|
17.75%
-1.2% YoY
|
17.09%
+0.8% YoY
|
23% |
| Non-Interest Income / Assets ? |
0.13%
-9.2% YoY
+145.1% QoQ
|
-0.43% |
0.57%
+7.6% YoY
|
0.59%
-1.1% YoY
|
0.66%
+5.2% YoY
|
29% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
19.3%
+1.7pp YoY -0.4pp QoQ |
-2.8pp | 22.1% | 22.3% | 22.2% | 42% |
| Brokered Deposits | n/a | n/a | 7.9% | 8.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
15.6%
+0.4pp YoY -0.7pp QoQ |
+4.0pp | 11.6% | 12.6% | 12.5% | 78% |
| CRE |
34.6%
+0.1pp YoY +1.3pp QoQ |
-4.9pp | 39.5% | 28.8% | 41.4% | 42% |
| 1-4 Family |
41.5%
+1.1pp YoY -0.3pp QoQ |
+8.9pp | 32.6% | 26.7% | 31.3% | 72% |
| Consumer |
5.0%
-3.6pp YoY -0.3pp QoQ |
+0.9pp | 4.1% | 4.6% | 5.0% | 77% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio |
11.0%
-0.1pp QoQ |
-7.9pp | 18.8% | 23.3% | 19.7% | 8% |
| Leverage Ratio |
8.6%
-0.4pp YoY +0.1pp QoQ |
-3.5pp | 12.2% | 12.6% | 12.6% | 8% |
| Total Capital Ratio |
12.2%
-0.1pp QoQ |
-7.7pp | 19.9% | 24.4% | 20.8% | 9% |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
21
+1 (+5.0%) YoY 0 QoQ |
-38 | 58 | 70 | 482 | 12% |
| Assets per Employee ($) |
$6.1M
+4.9% YoY +1.7% QoQ |
-$1.4M | $7.5M | $7.1M | $8.8M | 36% |
| Branch Count |
2
0 YoY 0 QoQ |
-3 | 4 | 6 | 18 | 11% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
0.4%
-0.3pp QoQ |
+0.1pp | 0.3% | 0.4% | 0.4% | 79% |
| Nonaccrual |
0.3%
-0.5pp YoY -0.1pp QoQ |
-0.6pp | 0.9% | 0.8% | 1.0% | 39% |
| Allowance Coverage |
1.58x
-2.1% YoY +46.5% QoQ |
-22.57x | 24.15x | 22.44x | 20.23x | 41% |
| Net Charge-off Rate (YTD) |
0.2%
+0.2pp YoY +0.1pp QoQ |
0.0pp | 0.1% | 0.1% | 0.2% | 84% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (KS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.2%
+4.1pp YoY +2.1pp QoQ |
+4.0pp | 12.2% | 14.3% | 11.6% | 74% |
| Cost of Funds (YTD) |
2.4%
-0.1pp YoY 0.0pp QoQ |
+0.7pp | 1.7% | 1.6% | 1.7% | 87% |
| Net Income ($, YTD) |
$793,000
+51.6% YoY — QoQ |
-$1.8M | $2.6M | $3.7M | $40.4M | 19% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.